🔹 Foreclosure in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada.
Facing foreclosure on your home can feel overwhelming. A mortgage company, your homeowners association, a judgment creditor, or even the tax authorities have powerful tools to take away your home. But you still have rights — and options. At A Fresh Start Law, attorney Dorothy Bunce has more than three decades of experience protecting Nevadans from foreclosure sales, tax liens, and court judgments. Whether through Chapter 13 repayment plans, Chapter 7 discharge, or strategic debt negotiation, Dorothy can help you protect what matters most and find a genuine path to relief.
🏡 Foreclosure Solutions in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada.
✨ You Deserve a Fresh Start!
At A Fresh Start Law, we’ve helped hundreds of Nevada families protect their homes and secure their futures. If you’re facing foreclosure, know this: you still have options. But you MUST act quickly!
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.
⚠️ What Is Foreclosure?
Foreclosure is the legal process where a lender, HOA, or even the IRS takes your real estate and sells it at auction to recover what you owe. Unlike a car repossession, foreclosure is generally controlled by state law.
Foreclosure can be started by:
- 🏦 Mortgage lenders or banks – if you fall behind on your home loan.
- 📉 Home equity line lenders – if you borrowed against your home’s value.
- 🏘️ Homeowners Associations (HOAs) – if you miss HOA dues.
- 💰 County tax authorities – for unpaid property taxes.
- 🧾 The IRS – for unpaid federal tax debts.
- ⚖️ Other creditors – if they win a judgment (unless protected by Nevada’s Homestead Exemption).
🕒 What to Do If You’re Behind on Mortgage Payments
If you’ve missed payments, contact your lender immediately. While lenders are not required to help, many will work with you if:
💵 You offer a down payment toward what’s past due.
📈 You commit to staying current from now on.
💬 You honestly explain why you fell behind and what’s changed now.
⚠️ Be truthful. Once a lender files a Notice of Default, they usually won’t accept partial payments — they’ll demand the full past-due balance. Another option is to place the balance you owe at the end of the mortgage term, which could potentially result in tens of thousands of dollars in additional interest costs.
🚩 Watch Out for Scams
When you’re in foreclosure, the offers will flood in:
📞 Phone calls.
📬 Letters & postcards.
👔 Realtors who urge you to sell to them for a rock-bottom price.
Sadly, many of these are predators looking to take advantage of you. Avoid high-pressure tactics and work only with trusted professionals, such as a licensed attorney.
🏦 Can Loan Modifications Help?
Loan modification programs sound great, but lenders often create impossible hurdles or delay until it’s too late. While it’s worth trying, don’t rely on this as your only strategy.
At A Fresh Start Law, we negotiate directly with lenders to see if they’re acting in good faith — or just stringing you along.
⚖️ How Bankruptcy Can Stop Foreclosure
If negotiations fail, Chapter 13 Bankruptcy may provide you with the best defense.
Here’s how it works:
- 📝 You and your attorney propose a repayment plan to the Court.
- 💵 You resume your regular mortgage payments.
- ⏳ You get up to 5 years to catch up on past-due payments.
- 🚫 Future late fees and penalties may be eliminated.
- 💳 Other debts may be discharged, freeing up money to save your home.
Every Chapter 13 Plan is customized to fit your unique circumstances — there is no “one size fits all.”
🌟 Why Work with A Fresh Start Law?
👩⚖️ Attorney Dorothy Bunce has decades of experience protecting Nevada families from foreclosure.
🤝 We don’t just file paperwork — we negotiate, defend, and guide you through every step.
💬 We’ll be honest with you about whether foreclosure defense, debt settlement, or Bankruptcy is the right move.
✨ Don’t wait until it’s too late. The sooner you act, the more options you have to stop foreclosure.
📞 Call (702) 551-3256 today or request a same-day callback to speak with Dorothy Bunce. The consultation is always free.
🤔 Foreclosure – Frequently Asked Questions.
🏠 Can the bank take my house right away?
No. Foreclosure is a legal process that can take considerable time. In Nevada, lenders must follow specific steps, including giving you notice before your home can be sold. However, the sooner you act, the more options you’ll have to protect your property.
⚖️ Can Bankruptcy really stop foreclosure?
Yes. Filing for Chapter 13 Bankruptcy immediately triggers an automatic stay — a Court Order that stops foreclosure in its tracks. You can then propose a repayment plan to catch up on missed payments and avoid foreclosure on your home.
🏚️ What if I want to walk away from the house?
That’s an option too. Sometimes it makes financial sense to let go of a home you can’t afford. Bankruptcy can help you eliminate mortgage debt and protect you from being sued for any remaining balance (called a “deficiency”).
💳 Can I catch up on payments without filing Bankruptcy?
Maybe. Some lenders will accept a repayment plan or loan modification if you act quickly and show you can afford future payments. However, lenders often refuse partial payments once foreclosure has begun. That’s when Bankruptcy becomes the stronger option.
🏘️ Can my HOA or the IRS really foreclose?
Yes. Homeowners Associations can foreclose if you don’t pay dues, and the IRS can foreclose for unpaid taxes. However, both situations can often be managed through negotiation or Chapter 13 Bankruptcy, which allows you to repay them over time.
⏳ How long do I have before foreclosure is final?
It depends on your case, but in Nevada, the foreclosure process usually takes a few months from the Notice of Default to the sale. Don’t wait until the last minute — acting early gives you the best chance to save your home.
✨ Still worried about foreclosure? You don’t have to face it alone. Attorney Dorothy Bunce has been protecting Nevada homeowners for decades, and she’ll walk you through every option.
📞 Take the First Step Toward a Fresh Start
At A Fresh Start Law, solving debt problems isn’t just part of what we do — it’s our only business. Attorney Dorothy Bunce has over 35 years of experience helping Nevadans like you escape overwhelming debt and rebuild their lives with dignity.
✨ Whether your challenge is credit cards, medical bills, business debts, judgments, foreclosure, or even tax problems, there is a solution. And you don’t have to figure it out alone.
✅ Why Choose A Fresh Start Law?
- 👩⚖️ Experienced Las Vegas bankruptcy & debt attorney since 1979.
- 💬 Answered more than 30,000 debt questions online — proving Dorothy’s dedication to clear, helpful advice.
- 🤝 Compassionate, judgment-free guidance tailored to your unique situation.
- 🌟 Same-day callbacks and free initial consultations.
📲 Ready for Relief?
📞 Call us today at (702) 551-3256.
💬 Or request a same-day callback from our team.
🗓️ Schedule a free, confidential consultation with Attorney Dorothy Bunce.
✨ You Deserve a Fresh Start — Let’s make it happen together.